The 52 Week Savings Challenge

The 52 Week Savings Challenge

 

When a good friend of mine tagged me with the now viral 52 Week Money Challenge, I got so excited, I knew I had to share this with everyone (thanks, Dawn O.)!  According to my bloggy friend, 4HatsAndFrugal (go check her out), the 52 Week Money Challenge originated via a facebook group called “Kassondra’s 52 Week Money Challenge“.  This ridiculously easy savings schedule is the perfect way to set aside money…like $1378… for just about anything you can imagine.  [Read more...]

How To Be A Foodie Frugalista

How To Be A Foodie Frugalista

 

As much as I love cooking, I sure do love a great meal out.  There’s something awesome about being able to grab a bite to eat at your favorite digs, and leave the cooking and the clean up to someone else.  Heading out for a bite to eat is as close as this Chica is going to get to a personal chef, so I have to make every meal out count. [Read more...]

10 Ways To Keep Your Grocery Bill In Check

10 Ways To Keep Your Grocery Bill In Check

 

Let’s face it.  We’ve all gotta eat, and as a parent, my children seem to think that our pantry is a magical cornucopia of deliciousness.  La Grande has a taste for the antipasto self-serve area, La Rubia can single-handedly run the QA department at Cheerios, and Homeskillet thinks that he lives in a B&B. [Read more...]

20 Ways To Save Money On Your Utilities: Housing Expenses Part 2

20 Ways To Save Money On Your Utilities: Housing Expenses Part 2

 

Saving on your utilities isn’t as hard as you think and it is a great way to cut down on your housing expenses.  As you scrubdown your budget, try some of these techniques to help you save money on your monthly expenses on electricity, heating, water, and trash removal services.

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How To Reduce Your Housing Expenses: Part I

How To Reduce Your Housing Expenses: Part I

First of all, thank you for sticking with the Budget Scrubdown!  Now that we’ve taken our budget snapshot (Part 1, Part 2), now’s the time to start examining each spending category to find ways to trim our expenses to put towards saving and debt reduction.  The first area we’re going to take a hard look at is our housing expenses.  Housing expenses should account for no more than 30% of your net income or take-home pay. Housing expenses are notoriously hard to trim, mainly due to the fact that we MUST have shelter, and leases and mortgages are relatively inflexible once we sign the dotted line.  Regardless, we’re going to give it a good college try and dig deep into our resource bin to see what we can do to save some dough. [Read more...]

Budget Snapshot Part 2: Determine Your Monthly Expenses

Budget Snapshot Part 2: Determine Your Monthly Expenses

Now that we’ve started tracking our expenses and evaluated our income, our next step is to start pouring over our monthly expenses.  Ewww, right?  But we must.  Aww, come on now, you can come out from behind your hands…it won’t hurt.  Well, too much.  I promise to make it as painless as possible. [Read more...]

Budget Snapshot Part 1: Evaluate Your Income

Budget Snapshot Part 1: Evaluate Your Income

How’s the expense tracking going?  Even though tracking your expenses seems like a pain, you’ll really find truth in the numbers.  There is something really sobering about seeing exactly how much you pay for that uber-fru-fru gourmet java each day, or what it really costs you to eat out during the work week.

Today we’re focusing on the income portion of taking a budget snapshot.  A budget snapshot is exactly what it sounds like.  We’re going to do our best to look at your numbers exactly as they are right now.  [Read more...]

La Chica’s Budget Scrubdown Challenge 2012!

La Chica’s Budget Scrubdown Challenge 2012!

As the summer fun winds down and the new school year gears up, it’s the perfect time to pull your family budget off the shelf, brush of the dust, and give it the ol’ spit polish.  Don’t have a budget?  Don’t worry.  By the end of our Budget Scrubdown Challenge you’ll not only have a budget, you’ll develop a working budget you can really count on, and most importantly, LIVE WITH.  Are you giving me the newly viral McKayla Maroney scowl?

And that’s not all, nu-uh! I am going to give away one personal finance book from the For Dummies series compliments of the fabulous publishers, John Wiley & Sons, each week!!!!!  You’ll have 8 weeks and 8 chances to win books to help you beef up your financial know-how! [Read more...]

Getting A Grip On Debt

Getting A Grip On Debt

 

My debt.  Hard to say, hard to look at, harder to make disappear.  Now that you’ve started piecing together your financial snapshot, chances are you might find yourself looking at some debt.  Some financial whiz kids will say that all debt is bad news.  But chances are, at some point in your life, you are going to have a wee bit of debt on your plate.  Regardless the type of debt that you carry, the most important thing you can do is execute a plan to get out of debt in the smartest, quickest, cheapest way possible. [Read more...]